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All companies + Hiring difference makers. ☰ Unsecured Consumer Lending Risk Officer NewTIAA Bank3 days agoPost DateApply for JobShare this Job
As a part of TIAAs Financial Solutions business, TIAA Bank, a division of TIAA, FSB, provides full-service, nationwide banking and lending services to consumer, commercial and institutional clients through a variety of channels, including online, its Florida-based financial centers and at other business offices throughout the country.
Responsible for leading the unsecured lending risk function including the independent identification, measurement, and monitoring of credit losses across the Retail unsecured portfolios, oversight of operational and credit performance across the credit cycle (originations, servicing, portfolio management/performance, and collection effectiveness), analysis and evaluation of a variety of data sources in order to reduce the credit, financial and operational risk of the Banks Unsecured lending programs. Works with direction from the Chief Risk Officer and the Senior Risk Officer over the applicable area and is also responsible for monitoring risk exposures from existing and future business operations; the analysis and escalation of potential threats and events that could significantly impact the operational integrity of the Bank; direct action necessary to offset or remediate significant exposures. May manage and direct a Risk Team
Maintain risk framework to identify, assess, and manage unsecured lending program risk. Provide proactive insights into trends, identify issues, and assess threats and opportunities across the portfolio and unsecured lending program operations. Maintain a rigorous performance monitoring framework and associated risk management dashboards that readily highlight areas of confidence and areas in need of further evaluation for resolution of concerns.
Utilize statistical and segmentation tools to develop/optimize risk management strategies for unsecured lending loan products.May direct and evaluate independent empirical analysis of risks including; operational, credit and other financial risks. Performs analysis of key quantitative and qualitative factors influencing credit quality and overall unsecured loan risk profile
Acts as a risk advisor and helps guide sr. management in their risk management responsibilities.
Coordinates with QC teams to develop comprehensive testing program
7+ years of experience in bank lending, risk management, loan review or quantitative financial analysis, with at least 6+ years in the unsecured credit space including credit cards and/or installment lending
Familiarity with statistical modeling and forecasting, portfolio P&L simulation, vintage profitability tracking and marginal expansion strategies, Experience working with machine learning/ AI/ credit decisioning models a plus
Equal Employment Opportunity is not just the law, its our commitment. Read more about the .If you need assistance applying due to being visually or hearing impaired, please email .We are an Equal Opportunity/Affirmative Action Employer. We will consider all qualified applicants for employment regardless of age, race, color, national origin, sex, religion, veteran status, disability, sexual orientation, gender identity, or any other legally protected status. Additional Information
Requisition ID: 1720800
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